Southern Lending

Mortgage Lender serving Houston, TX

About Southern Lending

Southern Lending Services aims to simplify the home financing journey for both first-time and experienced homeowners. With local mortgage loan originators in key regions, the company provides guidance throughout the entire process, from pre-qualification to closing. They emphasize a worry-free experience and offer a variety of competitively priced loan programs tailored to individual needs.

The lender offers a comprehensive suite of residential mortgage options including Fixed-Rate and Adjustable-Rate Mortgages, alongside Conventional, FHA, VA, USDA, and Jumbo loans. They also specialize in refinancing, including cash-out options, and feature dedicated programs for first-time homebuyers and veterans, such as the Texas Veteran Housing Assistance Program. Southern Lending Services caters to primary residences, second homes, and investment properties, ensuring flexibility for diverse borrower situations.

Distinguishing itself with a "Solutions Center" for those with less than perfect credit, Southern Lending Services is committed to putting resources to work to help all qualified individuals achieve homeownership. Their approach combines personalized advice from mortgage professionals with digital tools like an online application and a mortgage calculator, reinforcing their commitment to a simple and accessible home loan process. They operate primarily in Texas and Colorado, serving communities from their headquarters in Austin, TX.

Company Information

Lender Type: Direct Lender
Headquarters: Austin, TX

Licensed In

TXCO

Certifications & Credentials

FHA ApprovedVA Approved

Digital Capabilities

Online Application
Rate Calculator
Pre-Qualification Tool

Home Loan Products

Conventional Mortgage Loans

Loan Types:
Conventional
Rate Types:
Fixed RateAdjustable Rate (ARM)
Property Types:
Single-Family HomeCondoTownhouseMulti-Family (2-4 units)Investment PropertyVacation/Second Home
Occupancy Types:
Primary ResidenceSecond HomeInvestment Property

FHA Loans

Loan Types:
FHA
Rate Types:
Fixed RateAdjustable Rate (ARM)
Property Types:
Single-Family HomeCondoTownhouseMulti-Family (2-4 units)
Occupancy Types:
Primary ResidenceSecond HomeInvestment Property

VA Loans

Loan Types:
VA
Rate Types:
Fixed RateAdjustable Rate (ARM)
Property Types:
Single-Family HomeCondoTownhouseMulti-Family (2-4 units)
Occupancy Types:
Primary ResidenceSecond HomeInvestment Property
Special Programs:
Veteran Program

USDA Rural Housing Loans

Loan Types:
USDA
Rate Types:
Fixed RateAdjustable Rate (ARM)
Property Types:
Single-Family Home
Occupancy Types:
Primary Residence

Jumbo Mortgage Loans

Loan Types:
Jumbo
Rate Types:
Fixed RateAdjustable Rate (ARM)
Property Types:
Single-Family HomeCondoTownhouseMulti-Family (2-4 units)Investment PropertyVacation/Second Home
Occupancy Types:
Primary ResidenceSecond HomeInvestment Property

Refinance Programs

Loan Types:
RefinanceCash-Out Refinance
Rate Types:
Fixed RateAdjustable Rate (ARM)
Property Types:
Single-Family HomeCondoTownhouseMulti-Family (2-4 units)Investment PropertyVacation/Second Home
Occupancy Types:
Primary ResidenceSecond HomeInvestment Property

First-Time Home Buyer Programs

Loan Types:
ConventionalFHAVAUSDA
Property Types:
Single-Family HomeCondoTownhouseMulti-Family (2-4 units)
Occupancy Types:
Primary Residence
Special Programs:
First-Time Homebuyer

Texas Veteran Housing Assistance Program

Loan Types:
VA
Property Types:
Single-Family HomeCondoTownhouseMulti-Family (2-4 units)
Occupancy Types:
Primary Residence
Special Programs:
Veteran Program

Community Home Buyer Programs

Loan Types:
ConventionalFHAVAUSDA
Property Types:
Single-Family HomeCondoTownhouseMulti-Family (2-4 units)
Occupancy Types:
Primary Residence
Special Programs:
Down Payment Assistance

Solutions for Challenged Credit

Loan Types:
ConventionalFHAVA
Property Types:
Single-Family HomeCondoTownhouseMulti-Family (2-4 units)
Occupancy Types:
Primary Residence
Credit Tiers:
Fair (620-679)Poor (580-619)

Contact Information

230 Westcott St
Houston, TX 77007
US
Mailing Address:
8911 N. Capital Texas Highway #4300F Austin, TX 78759

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Business Information

Category: Mortgage Lender
Location: Houston, TX
Status: Standard
Type: Direct Lender
NMLS ID: 342900
Profile Views: 21

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